Justin

After moving jobs several times, Justin had pensions spread across different employers and platforms. He and his wife wanted everything in one place, simpler to manage and easier for either of them if anything happened in the future.

They also wanted to retire earlier than planned, by 57. The challenge for Leon was how to keep their lifestyle at that age, and what to do with a large part of the pot held in a defined benefit scheme. Leon's advice was to leave the defined benefit scheme where it was, because that was best for Justin.

Justin came to TNS on the recommendation of friends and family who were already clients. Four years on, the plan has been revised a number of times, Leon is always available, and regular reports and annual visits keep them clear on how their investments are doing.